Loans
Loan Rates
New/Used Auto, Motor home and Large Motorcycle Rates
First Mortgage
Fixed Rate Home Equity
Home Equity Line of Credit
Residential Investment
Commercial Real Estate
New/Used Auto Rates
Effective as of: 7/26/10 
| New/Used Auto (to 60 Months) | RATE/APR* (Coupons) | RATE/APR* (EFT and E-Club membership) | |||
| 2011-2010 Models | |||||
| 1-24 Months | 5.49 | 6.040 | 5.24 | 5.787 | |
| 25-48 Months | 5.74 | 6.070 | 5.49 | 5.815 | |
| 49-60 Months | 5.74 | 6.023 | 5.49 | 5.769 | |
| 61-72 Months | 6.74 | 7.007 | 6.49 | 6.754 | |
| 2009-2008 Models | |||||
| 1-24 Months | 6.24 | 6.800 | 5.99 | 6.547 | |
| 25-48 Months | 6.24 | 6.577 | 5.99 | 6.323 | |
| 49-60 Months | 6.24 | 6.531 | 5.99 | 6.277 | |
| 2007-2006 Models | |||||
| 1-24 Months | 6.99 | 7.560 | 6.74 | 7.307 | |
| 25-48 Months | 6.99 | 7.338 | 6.74 | 7.085 | |
| 49-60 Months | 6.99 | 7.293 | 6.74 | 7.039 | |
| 2005 and Older Models | |||||
| 1-36 Months | 7.49 | 7.921 | 7.24 | 7.668 | |
| 37-48 Months | 7.49 | 7.847 | 7.24 | 7.592 | |
*Annual Percentage Rate based on a $20,000 loan for max term in category and includes $99.00 origination fee with payment by EFT and E-Club membership. Rate will be .25% higher without EFT and E-Club membership or if coupon payments are requested.
New/Used Large Motorcycle Rates
Effective as of: 7/26/10
| New/Used Large Motorcycles (to 60 Months) | RATE/APR* (Coupons) | RATE/APR* (EFT and E-Club membership) | |||
| 2011-2010 Models | |||||
| 1-24 Months | 5.49 | 6.040 | 5.24 | 5.787 | |
| 25-48 Months | 5.74 | 6.070 | 5.49 | 5.815 | |
| 49-60 Months | 5.99 | 6.277 | 5.74 | 6.023 | |
| 2009-2006 Models | |||||
| 1-24 Months | 5.74 | 6.294 | 5.49 | 6.040 | |
| 25-48 Months | 5.99 | 6.323 | 5.74 | 6.070 | |
| 49-60 Months | 6.49 | 6.785 | 6.24 | 6.531 | |
| 2005 and Older Models | |||||
| 1-36 Months | 7.49 | 7.921 | 7.24 | 7.668 | |
| 37-48 Months | 7.49 | 7.847 | 7.24 | 7.592 | |
*Annual Percentage Rate based on a $20,000 loan for max term in category and includes $99.00 origination fee with payment by EFT and E-Club membership. Rate will be .25% higher without EFT and E-Club membership or if coupon payments are requested.
New/Used Motor Home Rates
Effective as of: 7/26/10
| New/Used Motor Homes | RATE/APR* (Coupons) | RATE/APR* (EFT and E-Club membership) | |||
| 2011-2010 | 1-24 Months | 5.74 | 6.294 | 5.49 | 6.040 |
| 25-48 Months | 5.99 | 6.323 | 5.74 | 6.070 | |
| 49-60 Months | 6.24 | 6.531 | 5.99 | 6.277 | |
| 2009-2006 | 1-24 Months | 6.24 | 6.800 | 5.99 | 6.547 |
| 25-48 Months | 6.49 | 6.831 | 6.24 | 6.577 | |
| 49-60 Months | 6.74 | 7.039 | 6.49 | 6.785 | |
| 2005 and Older Models | 1-36 Months | 7.49 | 7.921 | 7.24 | 7.668 |
| 37-48 Months | 7.49 | 7.847 | 7.24 | 7.592 | |
| 49-60 Months | 7.49 | 7.800 | 7.24 | 7.546 | |
*Note:Ten year financing is available on qualifying Motor homes, terms greater than 60 months will be adjusted annually after year five.
*Annual Percentage Rate based on a $20,000 loan for max term in category and includes $99.00 origination fee with payment by EFT and E-Club membership. Rate will be .25% higher without EFT and E-Club membership or if coupon payments are requested.
First Mortgage Rates
Effective as of: 7/26/10
| Type | Features | Term | Rate/Annual Percentage Rate** |
| First Mortgage* Primary Residence Fixed Rate |
Purchase or Refinance | 10 years | 4.000/4.310 |
| 15 years | 4.125/4.342 | ||
| 20 years | 4.500/4.691 | ||
| 30 years | 4.625/4.766 | ||
| First Mortgage/ARM* Primary Residence Adjustable Rate*** |
Purchase or Refinance Caps vary by product |
||
| 5/1 - 30 years | 5.000/4.194 | ||
| 10/1 - 30 years | 5.125/4.582 |
*Rates quoted are for standard conforming secondary market loans. Other programs are available for non-conforming requests.
**ANNUAL PERCENTAGE RATE BASED ON LOAN AMOUNT $125,000; 20% DOWN PAYMENT; LOCK PERIOD OF 60 DAYS
***ADJUSTABLE RATE LOANS MAY INCREASE ANNUALLY AFTER INITIAL 5-YR OR 10-YR TERM. Based on 1-year treasury bill + 3.25%. Annual caps of 2.00%. Lifetime cap of 6.00%.
Fixed Rate Home Equity
Effective as of: 7/26/10
| Type | Features | Term | Rate/Annual Percentage Rate** |
| Second Mortgage Primary Residence Fixed Rate |
80% Max LTV *$350-$400 closing costs ***Credit Insurance available on some loans |
60 months | 4.990/5.382 |
| 120 months | 5.990/6.318 | ||
| 180 months | 6.990/7.214 |
*ESTIMATED CLOSING COSTS MAY VARY
**ANNUAL PERCENTAGE RATE BASED ON LOAN AMOUNT OF $25,000
*** LOAN MUST BE 120 MONTHS OR LESS AND $60,000 OR LESS
Home Equity Line of Credit Rates
Effective as of: 7/26/10
| Type | Features | Term | Rate/Annual Percentage Rate** |
|
Home Equity Line of Credit Primary Residence
|
Variable Rate *
80% Max LTV |
5 Year Draw | 3.99/3.99*** |
| 10 Year Repay | 3.99/3.99*** |
*RATE SHOWN WILL NOT CHANGE FOR 1-YEAR FROM CONTRACT DATE. BEGINNING ON THE 1-YEAR ANNIVERSARY DATE, THE INTEREST RATE FOR THE REMAINDER OF THIS LOAN WILL THEN BE CALCULATED BY USING THE WALL STREET PRIME MINUS .25%, CURRENTLY AT 3.00%, OR OUR 3.99% MINIMUM RATE, WHICHEVER IS GREATER. MAXIMUM RATE NOT TO EXCEED 20%.
Residential Investment Rates
Effective as of: 7/26/10
| Type | Features | Term | Rate/Annual Percentage Rate** |
|
Residential Investment Adjustable Rate
Fixed Rate |
2% Annual Cap 65% Max LTV Refi |
3/1 ARM-20 years * | 6.250/N/A |
| 5/1 ARM-20 years * | 6.750/N/A | ||
| 15 year Fixed rate | 7.250/N/A |
Rates quoted are for standard conforming secondary market loans. Other programs are available for non-conforming requests.
**ANNUAL PERCENTAGE RATE BASED ON LOAN AMOUNT $100,000; 30% DOWN PAYMENT; LOCK PERIOD OF 60 DAYS.
*ADJUSTABLE RATE LOANS MAY INCREASE ANNUALLY AFTER INITIAL 3-YR OR 5-YR TERM. Based on 1-year treasury bill + 4.00%. Annual caps of 2.00%. Lifetime cap of 6.00%.
Commercial Real Estate Rates
Effective as of: 7/26/10
| Type | Features | Term | Rate/Annual Percentage Rate** |
|
Commercial Real Estate
Adjustable Rate
Fixed Rate |
Pur 70% Max LTV Refi 65% Max LTV |
3/1 ARM-20 years * | 6.250/NA |
| 5/1 ARM-20 years * | 6.750/N/A | ||
| 15 year Fixed rate | 7.250/NA |
*ADJUSTABLE RATE LOANS MAY INCREASE ANNUALLY AFTER INITIAL 3-YR or 5-YR TERM. Based on 1-year tresury bill + 4.00%. Annual cap of 2.00%. Lifetime cap of 6.00%.
Add .50% to rates for loan amounts less than $50,000.
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